It doesn't feel like the years are fleeting and suddenly you have to be faced with the fact that in the not too distant future it will soon enter retirement age. After years of working and earning income to meet your and your family's needs, now that you are entering retirement you will not get a steady income every month as usual. This kind of condition certainly requires mental readiness that must be fostered in advance, because usually entering retirement age activities become looser even for those who are usually busy suddenly faced with the fact that there is no longer such busy routine.
In addition to needing mental preparation, there is another thing that is also very important to prepare, which is to prepare funds for daily life after having no income anymore. Lucky if you have a family or children who are ready to replace you to finance your daily life after entering retirement. However, not everyone is so lucky, there are still many other retirees who have to struggle to still have their own income to finance their next life. Moving on from this, here are some reasons that you might consider having retirement savings as early as possible.
1. Uncertainty of Health Problems in Old Age
There is not a single person in the world who wants to live old age in a sickly state. Everyone wants to live their old life quietly and get together with family and play with grandchildren. However, not a few people who enter retirement age with declining health conditions even have to go back and forth to the hospital. In these conditions, considerable funds are needed, both for treatment and other costs.
Lucky if while working, you have been registered by the company and have an Old Age Guarantee fund. However, sometimes these funds are not sufficient for the needs of health costs in old age. For this reason, retirement savings are needed as a reserve fund or even the main source of medical expenses and living expenses in retirement.
2. Savings Is One Form of Safe Investment
Although savings are known to have shortcomings compared to other savings products, especially the issue of relatively small interest and adiminstration costs that must be paid every month, which resulted in the increase in deposit balances to be slow and even very small. However, savings have the advantage of being relatively safe because the funds stored in the bank are guaranteed by the Government through the Deposit Guarantee Agency (LPS) based on the provisions stipulated by the Law of the Republic of Indonesia. That means you can save regularly safely without any worries that the funds you've saved for years will disappear or disappear in an instant. In addition, investment products in the form of savings are very suitable to your profile that is not too ambitious in investing.
3. Retirement Savings Initial Deposit Relatively Lighter and Flexible
There are various forms of savings that you can choose to save or invest the money you have in accordance with future financial goals. However, for Retirement Savings, the amount of the initial deposit is usually very light there are even some special banking products of Retirement Savings that do not set the amount of the initial deposit to open a Retirement Savings account. Take advantage of this convenience to save some of your income as additional funds after entering retirement age.
4. As Extra Financial Guarantee After Entering Retirement Age
For civil servants (PNS) and private employees usually have been included in the pension fund program of the agency or company that employs it. However, not everyone is enough with the funds they get after entering age or retirement, because some retirees experience a variety of health problems and require considerable funds. For this condition, extra funds are needed that will help alleviate your financial problems in these conditions.
5. Helping To Realize Dreams After Entering Retirement
Perhaps, some of you have dreams or ideals that you want to realize after entering retirement age, where the workload and supporting the family has been reduced even no longer at all because children have grown up and are able to finance their own lives. Like the dream of wanting to visit a certain area aka traveling, just a walk to visit the area of origin that has never been or even rarely visited while working activities are still crowded. Then this opportunity can be used to achieve your impinan by using the funds that you have saved regularly every month by setting aside some of your income.
For a Brighter Future
Some of these reasons may be your solution and consideration for having Retirement Savings. If you believe there are any or all of the above points including things that make a lot of sense for you to have Retirement Savings
0 comments:
Post a Comment